A calmer way to be
in control of money.
Lumara is a behavioral finance companion — designed to bring clarity to your accounts, momentum to your goals, and quiet confidence to every decision.
Bank-grade security · Read-only access · No card required
Three quiet shifts that change
everything about money.
See your whole financial life — at a glance.
Every account, every flow, every commitment — composed into one calm overview. No spreadsheets. No noise.
Track the progress that actually compounds.
Your Momentum Score measures the small habits that move your finances forward — savings rate, spending discipline, debt direction.
Decide with confidence, not anxiety.
AI guidance helps you understand tradeoffs before you make them — so money feels like a tool, not a burden.
A financial operating system
for personal growth.
Designed to be opened daily. Read in seconds. Trusted forever.
A calm financial
strategist on call.
Lumara's AI doesn't shout at you about lattes. It observes patterns, surfaces what matters, and gently helps you make better decisions over time.
Meet your coach- Spending behavior analysis
- Goal acceleration suggestions
- Subscription optimization
- Lifestyle tradeoff modeling
- Predictive cash-flow insights
- Emotional spending awareness
Shared accountability,
without the pressure.
Invite a partner, a family, or a small circle of people you trust. Share goals, celebrate progress, and stay gently accountable — together.
Your circle's collective progress moves your Momentum Score forward — quietly, consistently.
Your finances stay yours.
Calm pricing.
Premium intelligence.
- Everything in Free
- AI Coach & insights
- Momentum Score
- Unlimited goals
- Everything in Alpha
- Up to 5 members
- Shared goals
- Family insights
Begin your
clarity practice.
A few quiet minutes a day. A lifetime of confidence with your money.